摘要
农业保险是促进乡村振兴的重要工具。农业保险在乡村振兴中发挥着保障农业生产、分散自然灾害风险、稳定农民收入、促进农村经济发展的重要作用。然而，我国农业保险在农村地区发展仍处于起步阶段，其在实施过程中还存在一些问题，如农业保险供给不充分、政策支持力度不够、农业保险保障范围过窄、农业保险理赔难度较大等。为更好地发挥农业保险在乡村振兴中的作用，需要建立健全农村地区农业保险支持体系，扩大农业保险的保障范围，提升农业保险的理赔效率，并积极创新金融产品和服务。
关键词： 乡村振兴战略；农业保险；金融
Abstract
Agricultural insurance is an important tool to promote rural revitalization. Agricultural insurance plays an important role in rural revitalization by ensuring agricultural production, dispersing natural disaster risks, stabilizing farmers' income, and promoting rural economic development. However, the development of agricultural insurance in rural areas in my country is still in its infancy, and there are still some problems in its implementation, such as insufficient supply of agricultural insurance, insufficient policy support, too narrow agricultural insurance coverage, and difficulty in settling agricultural insurance claims, etc. . In order to better play the role of agricultural insurance in rural revitalization, it is necessary to establish and improve the agricultural insurance support system in rural areas, expand the scope of agricultural insurance, improve the efficiency of agricultural insurance claims, and actively innovate financial products and services.
Key words： Rural Revitalization Strategy; Agricultural Insurance; Finance
参考文献 References
[1] 冯文丽,苏晓鹏.农业保险助推乡村振兴战略实施的制度约束与改革[J].农业经济问题,2020,No.484(04):82-88. DOI:10.13246/j.cnki.iae.2020.04.010.
[2] 张华,赵佳伟,义旭东.农业保险服务乡村振兴的内在逻辑、挑战与改革路径[J].沈阳工业大学学报(社会科学版),2021,14(03):220-229.
[3] 郑军,朱京.乡村振兴战略背景下农业保险的历史演变及其启示[J].石家庄铁道大学学报(社会科学版), 2020, 14(01): 11-16. DOI:10.13319/j.cnki.sjztddxxbskb.2020.01.02.
[4] Liao, P., Xian-hua Zhou, and Qingquan Fan. "Does agricultural insurance help farmers escape the poverty trap? Research based on multiple equilibrium models." The Geneva Papers on Risk and Insurance - Issues and Practice (2020).
[5] 曲统昱,吉彩红.乡村振兴战略下我国农业保险发展研究[J].海南金融,2020, No.379(06): 55-61+68.
[6] 郑军,杜佳欣.农业保险组织制度创新与乡村振兴战略的动态协调发展研究[J].山西农业大学学报(社会科学版),2020,19(02):83-94.DOI:10.13842/j.cnki.issn1671-816x.2020.02.011.
[7] Yanuarti, R., J. M. M. Aji, and M. Rondhi. "Risk aversion level influence on farmer’s decision to participate in crop insurance: A review." Agricultural Economics (Zemědělská ekonomika) (2019).
[8] Zhou, Xian-hua, P. Liao, and Ke Wang. "Is the 'One Province One Rate' premium policy reasonable for Chinese crop insurance? The case in Jilin Province." Journal of Integrative Agriculture (2018).
[9] 郑军,盛康丽.农业保险服务乡村振兴战略的制度创新:国际经验及启示[J].广东开放大学学报,2019,28(06):100-105.
[10] Fang, L., et al. "How crop insurance influences agricultural green total factor productivity: Evidence from Chinese farmers." Journal of Cleaner Production (2021).